I would be content to let that one remain by themself, but not the other one by themself.It will be awkward to tell them that, as they aren't renewing *together*, I am not renewing the lease as it is, but that I am offering it to just one of them. 

If I was interested in purchasing a seller financed home with the total price of say $700,000, could the loan be structured to pay off say $150,000 to the seller over a 4-year period with the remaining due after that period?

Once the transaction is done, I transfer my property to an LLC (on its own) and sleep good at night that any liability that happens will remain within that LLC.

@Ned Carey so I am understanding this correctly, would you recommend not transferring to LLC and just remain in my personal name?

We are not married, so our tax returns always remain separate. 

The other requirements in the listing such as credit score, rental history, etc would remain unchanged. 

I operate in a pretty solid market but remain on the sidelines, as I have for a while. 

With your background in historic property renovation and contracting, you may find particular value in Philadelphia's older neighborhoods, where there's often a wealth of historic properties in need of rehabilitation.Additionally, Philadelphia's rental market remains strong, providing opportunities for cash flow from long-term rentals.

This is a common strategy, but it's important to note that because the mortgage remains in your name, your DTI is still affected.If you opt for a commercial loan, which typically comes with a higher interest rate and a 20-year amortization, you can purchase the property directly in an LLC.

So in conclusion, it would be financed as a conventional with 20% down ($100k), and out of the $400k, $300k will be at 3% and the remaining $100k will be at the current mortgage rate?